Consumer Credit Card Application and Solicitation Disclosure Effective

Advantis Credit Union's filed agreement for Consumer Credit Card Application and Solicitation Disclosure Effective 10 29 2024 discloses no annual fee.

What the agreement puts on the record

Advantis Credit Union submitted the terms for Consumer Credit Card Application and Solicitation Disclosure Effective 10 29 2024 to the CFPB's agreement database; this is what they contain. The filing runs six pages, and It is issued on the Visa network.

The filing is explicit about an annual fee line, a late payment maximum and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

The downside terms

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

How it sits in the issuer's own range

Advantis Credit Union has 10 agreements indexed on this site.

What is outside the disclosure

Absent from the captured terms: a purchase rate, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.